Gemini has introduced a new way for cryptocurrency users to earn digital assets through the XRP credit card. The card offers users the ability to earn rewards on everyday purchases.
Cashback on Everyday Spending
The Gemini XRP card provides an opportunity to earn up to 4% rewards in XRP on fuel, EV charging, and rideshare expenses. 3% on dining, 2% on groceries, and 1% on all other spending are also offered. The product includes special promotions with selected merchants, providing up to 10% cashback on qualifying purchases. Additionally, new users can receive a $200 bonus after spending $3,000 within the first 90 days.
Expanding Ripple's Ecosystem
The launch of the XRP card aligns with the broader integration of Ripple products, including support for Ripple USD (RLUSD), a USD-backed stablecoin that is now available for spot trading in the U.S. RLUSD has quickly attracted attention, surpassing a market cap of $640 million and ranking among the top six dollar-pegged tokens. Ripple CEO Brad Garlinghouse highlighted that 55 million Americans own cryptocurrency and emphasized the growing demand for tools that make digital assets practical for everyday use.
Gemini XRP Card Performance
The Gemini XRP card has been reported to provide the highest rewards for its credit card users. Between October 2021 and July 2025, customers who chose rewards and held them for at least one year saw gains of over 450%. In dollar terms, rewards of $73,700 grew to more than $407,000. This performance has made it a standout option among the firm's crypto reward offerings.
The Gemini XRP card combines everyday convenience with digital asset adoption, offering users simple ways to stack crypto while spending normally. It also strengthens Ripple's role in payments and boosts awareness of RLUSD, potentially fueling its long-term adoption among U.S. consumers.
